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Your Retirement Income – 5 Factors To Know

  Financial decisions may impact your income and taxes at certain retirement milestones. A key milestone is the window between your retirement date and the year you begin taking required minimum distributions (RMDs). Strategic planning for this window may extend your retirement dollars, so continued support from your financial advisor is essen...Read More

To Work? or Not To Work….. Some Reasons To Think It Through

Why would anyone choose to keep a job when they could retire (or go back to work when they could stay retired)?  After all, “tradition” has it that most workers eagerly await retirement. We tend to think of it as our ultimate reward for decades of effort and hard work. But sometimes, the reality of retirement living doesn’t match ...Read More

5 Common Retirement Myths That Need Dispelling

Here are some insights to help dispel five persistent myths about retirement. Myth #1: I don’t need to revisit my withdrawal rate Planning how you will create a retirement income stream can be challenging. Historically, a rule of thumb has been that a properly diversified portfolio can last 30 years given withdrawals of 4% or less and increased ann...Read More

Financial Benefits of Working after Retirement

Given retirement can last several decades, many retirees continue working to some degree. Whether by choice or necessity, working after retirement provides you with financial benefits. If you don’t have a financial advisor, this may be a good time to seriously consider getting one.  Here are a few considerations to discuss with your financial advis...Read More

8 Unhealthy Habits To Be Rid Of – NOW

With more and more people living longer than ever before, it’s crucial to explore the best ways to maintain your physical and mental health as you grow older. Here are 5 Unhealthy Habits You Should Get Rid Of By Turning 50 Years Old

Some Thoughts about Reverse Mortgages

QUESTION: What are the pros and cons of reverse mortgages? “Needs to know.” AFL’S ROSEMARIE BOYD ANSWERS: Dear “Needs To Know:” Before I give my opinion on this, I would like to start with a word of caution!   This decision is one which should not be made without expert advice!  Because much of the decision is a planni...Read More

Is A Loved One Losing Capacity? A Way To Tell…

An estate attorney recently noted that when it comes to judging capacity, many compromised folks are very good at hiding their downward trajectory. Little jokes, annoyed denials, push back, turning the tables, and graceful changes in conversation are all part of the repertoire. Also, being forgetful, or other symptoms people want to associate with ...Read More

When Aging Parents Lack Health Insurance

A hospital waiting room is a lousy place to discover that Mom and Dad are broke. Unfortunately, a parent’s health crisis often provides the first warning sign that the folks have made a major financial blunder by dropping or downgrading their Medicare supplement health insurance to save money. “In a lot of cases, this comes up at the la...Read More

Makin’ A List? Checkin’ It Twice?!

Yes, we’re entering the holiday season and under “normal” circumstances, list-making would be an essential part of adding joy (and order) to the season.  But this is the year when things absolutely WILL be different. But let’s not throw out the baby with the “list-making” bathwater.  List-making itself can be a m...Read More

5 Tips to keep earning a paycheck in retirement

Retirement today is not that of a generation ago, we are living longer these days, and retirement is not what it used to be. Today, 60 (and beyond) is the new 50. Retirement is no longer a time to just garden and visit the grandkids, and healthier retirees want to stay engaged and stimulated. According to a recent survey about two-thirds of worker...Read More

An Ageism Expert Gives 11 Tips for Finding a Job During the Pandemic

NOTE:  AFL acknowledges and gives thanks to Jeanette Marantos for this great article which first appeared in the LA Times (Aug 14, 2020). Hey boomers, it’s not your imagination. Finding a job in today’s COVID economy is harder than ever, especially for “older Americans,” i.e. workers 55 and older. Let’s start with the grim statistics (just to get t...Read More

Baby Boomers Breaking Retirement Traditions

Retirement from a 20-year teaching career lasted five months for Joan Breen. She didn’t return to the classroom, however. Since last year, Breen, 56, has worked as a teller for a credit union. “It’s just a fun job and I really wasn’t ready to quit working,” she said. “A lot of my friends were still working and so...Read More

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